Arse ball monkey turd

Post by **RattyMcClelland** » Thu Jan 15, 2015 6:37 pm

Shiny wrote:Who is your Motor Trade with?

Giles insurance or arther j Gallagher as they are now called. Lude is with sky.

Shiny · Post by **Shiny** » Thu Jan 15, 2015 8:33 pm

Is the Motor Trade with Aviva through Giles? If so, your NCB on the Road Risks will step back 2 years. Insurers do differ, some step back 2 years, with a couple you will lose the lot.

If you are going to claim for her damage, you may as well claim for yours as it will make little difference in the grand scheme of thing. You will obviously have your policy excess to pay in respect of your own repairs. You should be able to get reimbursed for the vehicle recovery costs too.

Fingers crossed she won't try and put in a whiplash claim. Don't be surprised if she does. If you are with Aviva then it they will likely contest it, they are top of tree when it comes to acting on fraudulent whiplash claims.

Now for the Lude....

There are two rating factors to consider, one being NCB and the other being a driver's history (motoring convictions, accidents etc).

The NCB on the Lude won't be affected as your are not making a claim on the Lude policy. However, come renewal time, you will need to notify your insurers that you have been involved in a fault accident on another policy, the same as you would notify a speeding conviction. Even though it didn't happen in the Lude, you have still had an accident. Now this "could" have a bearing on the rating and affect the policy discounts applied for your driving history, ie the same as if you had picked up an SP30. Some insurers it will make little or no difference, but with others it may make a small diffetence to the premium. It shouldn't be too detrimental as it, as mentioned, won't affect your Lude NCB.

Post by **RattyMcClelland** » Thu Jan 15, 2015 8:38 pm

Ok. Right its a he not a she.

My van policy is set priced . It's a public liability motor trade thingy. I'm pretty such its with amlin. The ncb never mattered on the van.

But I didn't think the ncb on the lude would be effected so that good.

Shiny · Post by **Shiny** » Thu Jan 15, 2015 8:54 pm

Not quite sure how Amlin work, but they are likely to have a NCB on the Road Risks part of the premium. If not, it might be claim experience rated (fleet rated, burning costs etc) in which case it will affect the fleet rate. Either way, unfortunately it will have an affect in your MT premium.

Post by **RattyMcClelland** » Thu Jan 15, 2015 8:58 pm

That's ok. I'm sure it will be cheaper for my business now than filling out £1500 out of the account.

Thanks Shiny.

Supercharged 無限MUGEN BB1 Profile · Post by **nucleustylzlude** » Fri Jan 16, 2015 1:01 pm

Only just seen this - you plank!

What a PITA, at least you're in the trade, you just have some nice parts on it which aren't cheap to replace.

Tow bars are great if they're on your car and you get rear ended, but on the flipside they are a PITA!

Hope it gets fixed and back on the road ASAP - annoying when your business depends on it.

Post by **RattyMcClelland** » Fri Jan 16, 2015 7:26 pm

Got the van back today.
New crash bar fitted. Fresh radiator and intercooler.

I havnt bought a new bumper. Going to see if I can fix that. But got a new sportline lip.

Will repair this tomorrow with full pics. See how well plastic welding goes.

Supercharged 無限MUGEN BB1 Profile · Post by **nucleustylzlude** » Fri Jan 16, 2015 9:59 pm